Commercial Banking Representative II

Commercial Banking Representative II

The Commercial Banking Representative II functions as a primary contact between commercial banking clients and the Bank, and assists Commercial Relationship Managers with servicing the client, for all loan types including large and complex loan portfolios. Responsible for maintaining and expanding the relationship with clients by providing overall client support services. Works proactively to maximize client satisfaction and encourage expansion of the relationship. Develops working knowledge of assigned area and accounts through frequent client contact and execution of standard procedures. Essential duties are performed individually with limited supervision required.

Essential Duties and Responsibilities :

• Handles day-to-day client calls, client transactions, and client problem resolution.
• Responds to client account inquiries, performs account maintenance and researches / resolves client problems.
• Executes client transactions within delegated authority or applicable department guidelines, escalating to the assigned Relationship Manager (RM) any requests outside specified norms or items requiring Relationship Manager signature or approval.
• Transactions may include transfers, withdrawals, distributions, wire transfers, payments, fee waivers / fee refunds, client overdrafts, monitoring reports, and other loan and account operations requested by clients.
• Assists in obtaining necessary information to submit loan applications, such as financial statements, tax returns and business documentation.
• May also work with outside vendors, such as attorneys or title companies, UCC searches, title work, OFAC Environmental Reports, appraisals, and flood determinations.
• May work with outside counsel, title companies, other product vendors, etc. to request documents needed for loan requests, when applicable.
• Specializes in loan documentation and ensures accuracy in loan documents and legal loan file. To include reviewing documents, organizing legal loan documents, and supporting information, and accuracy in digital records.
• Prepares and / or reviews client account documents for meetings between the RM and the client, focusing on completion of signatures, accuracy, and fulfillment of standard regulatory and compliance guidelines.
• Submits complete and accurate requests for documentation in accordance with the loan approval, ensuring all appropriate supporting documents are available in Director / Unity Client, including but not limited to loan approval, Borrower, Guarantor, and Grantor entity documents, collateral reports, and all other information necessary to generate loan documents.
• Provides complete packages to Loan Servicing for Boarding / Funding, ensuring appropriate GLs are credited for fees collected.
• Ensures all documentation is uploaded to Director / Unity Client timely, imaged files are complete.
• Creates ticklers in Credit Track in accordance with the loan agreement & guaranty requirements and assists Relationship Manager with obtaining required information to